General terms
Loan target
Purchase of apartments in a multi-story building using funds from the Ministry of Economy and Finance
Loan currency
Sum
Loan amount
Up to 420 mln soums for Tashkent, up to 330 mln soums for regions of Uzbekistan
Initial payment
From 15% (with official income), from 26% (for self-employed individuals)
Interest rate
18% per annum
Credit term
Up to 240 months
Loan processing method
Bank branch
Form of issue
Non-cash
Collateral
Collateral of the purchased property
Grace period
yes (Yes (6 months))
Repayment method
Differentiated, Annuity
Frequency of payments
Monthly
Borrower requirements
Residents of Uzbekistan, aged 18-60, officially employed or self-employed
Loan Provision Order
Non-cash
Required Documents
1. Application for a loan;
2. Identity document (passport, ID card, residence certificate, etc.);
3. Contract of purchase and sale of housing concluded with the contracting organization-seller;
4. Loan security documents;
5. If necessary, documents confirming the availability of permission from the authorized body for the construction of a multi-storey building in which the loaned object is purchased, acquired through a loan (decision of the khokim, etc.);
6. Extract from the cadastral register of the purchased apartment;
7. Self-employment certificate. (when the loan is provided to self-employed persons). The Bank reserves the right to request additional documents for the most complete analysis of the solvency of the Borrower/Co-Borrower.
2. Identity document (passport, ID card, residence certificate, etc.);
3. Contract of purchase and sale of housing concluded with the contracting organization-seller;
4. Loan security documents;
5. If necessary, documents confirming the availability of permission from the authorized body for the construction of a multi-storey building in which the loaned object is purchased, acquired through a loan (decision of the khokim, etc.);
6. Extract from the cadastral register of the purchased apartment;
7. Self-employment certificate. (when the loan is provided to self-employed persons). The Bank reserves the right to request additional documents for the most complete analysis of the solvency of the Borrower/Co-Borrower.
Loan Service Fee
None
Additional Conditions
The borrower is using mortgage loans under the Program for the first time. Loans obtained by the borrower before May 1, 2024, are not taken into account. The interest rate on the mortgage loan is proportionally reduced in the event of a decrease in the key rate of the Central Bank of the Republic of Uzbekistan, while in the event of an increase, it remains unchanged. In this case, changes in interest payments are applied from the date the reduced key rate of the Central Bank comes into effect. A fixed subsidy of at least 5% of the housing cost, paid from the state budget, must be formed by the borrower using their own funds. An insurance policy and a mortgage insurance agreement are not required. Early repayment, whether full or partial, may be made at any time.
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